![]() And, I in fact didn't miss a payment for the 30 days, I actually did pay in July. ![]() I really do believe in having a good payment history and if you look at my records, I have no other missed payments. I'm writing today to ask for your forgiveness for my mistake. I did however make sure to pay July 21, 2019, but I still was shown as a missed payment on all three credit bureaus. In the mist of moving I believe I forgot to pay on my due date. But, in July 2019 I had a missed payment. It's really been a privilege to be able to do business with your company and I would like for it to continue and for me to continue to prove my value to you as a customer. "Hello, my name is X X I'm writing you today because I am a customer of your Victoria's Secret store card. I also provided a screenshot showing I havent missed any other payments. Here is what I wrote for my GW letter, it's simple and to the point. Thank you for being a valued card member. You will receive a decision from us, the same way your request was received. Once we have received your request, by one of these methods, a member of our Credit Bureau Disputes team will review your request and the account. I have included the mailing address and the website needed to submit your request. ![]() You will need to log into your online accounts to access the SMC tool. ![]() Your request would need to be received either by mail or via our Secure Messaging Center. I just called and the lady was able to remove the missed payments and is mailing me a letter stating it has been updated from deliquent to no missed payments. So, I followed up and the auto responder said to call in. I was told I'd get a response within 2 business days, I received a response the next day, but it stated they'd forward the message and I'd get a response in another 2 business days, and I never did. I sent a message on FB, they stated I could mail in a response or used the secure message system online, so I sent it throught the secured portal. It's from July 2019 30 days, I missed June's payment then paid the end of July. I have one missed payment on my report and my score took a major hit. ![]()
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![]() ![]() We got a letter from the courthouse in December saying that he missed the court date with the judge to fight this and so we were ordered to pay them. The limit on it was $300 and we probably used maybe $150 of it and I got laid off and then pregnant and had the baby extremely prematurely and we totally forgot. But my husband was literally in court this past Wednesday over an old Capital One credit card that we forgot about. ![]() ![]() It could just be their way of trying to get more money from you. Will they really take legal action for like $300 that I paid and have bank records showing payment? I am currently a stay at home mom (unmarried) so I dont have any income myself. I need help I don't really know what to do here. I don't have a recording of that call, but I guess they should. At the time we made that agreement I specifically asked if my account would be closed and if I would owe more intrest each month and I was told NO I wouldn't because I was just paying off the balance of the closed account. I don't know what to do, because I made an agreement with them and I paid what they asked. I haven't received anything in the mail indicating legal action, just what they've threatened in voicemails. I decided this was BS and not to deal with it, but now they are calling me saying I need to get an attorney. But they have still been harassing me with phone calls and one person I actually spoke with said that they never closed my account and I stilled owed them interest from those payments I made? The payments came out of my bank account as scheduled and I thought I was done with them. They said it wouldn't incur any more interest and my account was closed. 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